LPRO
Open Lending Corp
$3.13
-0.01 (-0.32%)
At close · Jul 15
Market Cap
$370.02M
Shares
118,217,082
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$93.22M
+288%
FY2025
Net Income
-$4.24M
+96.9%
FY2025
Gross Margin
76.88%
+76.2pp
FY2025
Operating Margin
-5.37%
+266.8pp
FY2025
Diluted EPS
-$0.04
+96.5%
FY2025
Operating Cash Flow
-$3.19M
-118.1%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|---|
| $89.32M | $93.22M | $24.02M | $117.46M | $179.59M | $215.66M | $108.89M | $92.85M | $52.19M | |
| $20.33M | $21.56M | $23.86M | $22.28M | $19.97M | $18.62M | $9.79M | $7.81M | $4.6M | |
| $68.99M | $71.66M | $169K | $95.18M | $159.63M | $197.03M | $99.11M | $85.04M | $47.59M | |
| — | 76.88% | 0.7% | 81.03% | 88.88% | 91.37% | 91.01% | 91.59% | 91.18% | |
| $8.28M | $8.78M | $4.46M | $5.58M | $8.21M | $4.35M | $1.96M | $1.17M | $802K | |
| $13.34M | $14.8M | $17.22M | $17.49M | $17.86M | $12M | $7.84M | $7.48M | $6.19M | |
| $53.78M | $53.09M | $43.87M | $43.04M | $35.95M | $30.39M | $32.58M | $13.77M | $12.13M | |
| — | $2.41M | $1.67M | $1.16M | $915K | $525K | $1.31M | $105K | $80K | |
| $75.39M | $76.67M | $65.55M | $66.1M | $62.01M | $46.75M | $42.39M | — | — | |
| -$6.4M | -$5.01M | -$65.38M | $29.08M | $97.62M | $150.29M | $56.72M | $62.62M | $28.47M | |
| — | -5.37% | -272.14% | 24.75% | 54.35% | 69.69% | 52.09% | 67.44% | 54.56% | |
| — | -$2.6M | -$63.7M | $30.23M | $98.53M | $150.81M | $58.03M | $62.72M | $28.55M | |
| $8.4M | $9.66M | $11.32M | $10.66M | $5.83M | $5.86M | $11.6M | $322K | $341K | |
| $8.31M | $9.32M | $12.09M | $10.34M | $2M | $213K | $202K | $24K | $13K | |
| — | -$18K | $0 | $109K | -$238K | -$119K | -$4.38M | $197K | $170K | |
| -$6.51M | -$5.37M | -$64.61M | $28.86M | $93.54M | $191.17M | -$90.99M | $62.51M | $28.32M | |
| -$1.2M | -$1.13M | $70.41M | $6.79M | $26.92M | $45.09M | $6.57M | -$30K | $37K | |
| -$5.31M | -$4.24M | -$135.01M | $22.07M | $66.62M | $146.08M | -$97.56M | $62.54M | $28.28M | |
| — | -4.54% | -561.98% | 18.79% | 37.09% | 67.74% | -89.6% | 67.36% | 54.18% | |
| -$5.31M | -$4.24M | -$135.01M | $22.07M | $66.62M | $146.08M | -$90.72M | -$111.94M | -$44.1M | |
| USD/shares | — | -$0.04 | -$1.13 | $0.18 | $0.53 | $1.16 | -$1.09 | -$2.97 | — |
| USD/shares | — | -$0.04 | -$1.13 | $0.18 | $0.53 | $1.16 | -$1.09 | -$2.97 | — |
| shares | — | 118.6M | 119.18M | 120.83M | 126.11M | 126.35M | 82.91M | 37.63M | 37.63M |
| shares | — | 118.6M | 119.18M | 121.48M | 126.26M | 126.39M | 82.91M | 37.63M | 37.63M |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2018–FY2025: $117.73M in buybacks, $196.88M in dividends.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against the industry, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
3.13×
Credit Services median 8.70×
EV/EBIT
—
Credit Services median 24.62×
P/E (TTM)
—
Credit Services median 11.71×
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Reportable Segment | $93,217,000 | $24,024,000 | $117,460,000 | $179,594,000 |
By Product & Service (USD)
| Component | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Program Fee | $54,340,000 | $57,040,000 | $64,092,000 | $80,611,000 | $75,630,000 | $43,995,000 | $36,667,000 | $25,044,000 |
| Profit Share | $29,362,000 | -$43,123,000 | $43,301,000 | $90,056,000 | $133,215,000 | $60,392,000 | $53,038,000 | $24,835,000 |
| New Certified Loan Originations | $28,974,000 | $52,979,000 | $66,113,000 | $95,733,000 | — | — | — | — |
| Claims Administration and Other Service Fees | $9,515,000 | $10,107,000 | $10,067,000 | — | — | — | — | — |
| Change in Estimated Revenue | $388,000 | -$96,102,000 | -$22,812,000 | -$5,677,000 | — | — | — | — |
| Administrative Service | — | $10,107,000 | $10,067,000 | $8,927,000 | $6,810,000 | $4,505,000 | $3,142,000 | $2,313,000 |
Segment Operating Income
Annual operating income by business segment, as tagged in the company's own XBRL filings. Segments need not sum to the consolidated figure — corporate costs and eliminations are typically unallocated.
By Segment (USD)
| Component | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Reportable Segment | -$5,006,000 | -$65,378,000 | $29,075,000 | $97,615,000 |
Operating Margin by Segment (%)
| Component | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Reportable Segment | -5.4% | -272.1% | 24.8% | 54.4% |